Dunbar Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, it's easy to get confused by the sheer number of car insurance companies offering insurance in Dunbar.

Car Insurance Comparison Rates in Dunbar, WI

There are several ways to shop for car insurance, but there is one way that is more efficient than others. You could spend your day driving to insurance agencies in Dunbar, or you could use the internet to achieve your goal.

All the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company returns a competitive quote based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to getting quotes like this is you are unable to specify which companies to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of companies who write car insurance in Wisconsin. View list of Wisconsin insurance companies.

Whichever method you choose, be sure to compare identical coverages for each comparison quote. If you have different limits and deductibles on each one you can't possibly determine the lowest rate in Dunbar. Slightly different limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps locate lower pricing.

Good Decisions Result in Lower Rates

It's important that you understand the factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that will entitle you to big savings.

The list below includes some of the factors car insurance companies consider when setting prices.

More claims means more premium - If you are a frequent claim filer, you can look forward to higher rates. Companies in Wisconsin generally give lower rates to drivers who are claim-free. Insurance coverage is intended for larger claims.
Poor credit can mean higher rates - Having a bad credit rating is a big factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
Rates may be higher depending on your occupation - Careers like doctors, social workers and financial analysts tend to have higher average rates due to high stress and lots of time spent at work. Conversely, occupations like scientists, engineers and the unemployed receive lower rates.
Having a spouse can save you money - Being married actually saves money on car insurance. Having a significant other means you're more mature and statistics show married couples file fewer claims.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specifically requested before being credited.

Federal Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
Passive Restraints - Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
No Accidents - Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
Paperwork-free - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Distant Student - Youth drivers who live away from home without a vehicle on campus can receive lower rates.

Keep in mind that some credits don't apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So when it seems like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down the amount you have to pay.

For a list of insurance companies with the best car insurance discounts in Wisconsin, click here.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.

For example, these questions may help highlight whether or not you would benefit from professional advice.

Am I covered if I drive in a foreign country?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Dunbar?
Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form.

More information is available on the Wisconsin Office of the Commissioner of Insurance website found here. Visitors are able to download brochures, find out industry alerts, and read industry bulletins.

Affordable insurance is out there

Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, poor customer service, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is not as hard as you think.

We just presented a lot of ways to lower your car insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with a small mutual company.

Affordable car insurance is definitely available both online and also from your neighborhood Dunbar agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide online quoting and these smaller companies work with independent agents.